Mis-Sold Solar Panel Finance? Claim It Back — Free

It can be, depending on what was said and how those claims were presented. If a salesperson stated specific annual savings figures — for example, “you will save £1,500 a year” — that were materially higher than what a reasonably informed assessment would have projected, that representation may be actionable under the Misrepresentation Act 1967 and the Consumer Protection from Unfair Trading Regulations 2008. The key question is whether the savings claim was the material reason you agreed to the finance. Vague aspirational language is harder to challenge; a specific figure used to justify the monthly payments is a much stronger basis for complaint.

A solar finance agreement may have been mis-sold if one or more of the following occurred:

• False or inflated savings claims — promised annual savings that were unrealistic given your home’s orientation, roof pitch, or location
• Unaffordable lending — the monthly payments were unaffordable relative to your income and existing debts, but the loan was approved anyway
• No affordability checks — the lender failed to carry out a proper creditworthiness assessment as required by FCA CONC rules
• Pressure selling or high-pressure tactics — you were rushed into signing on the day or told the offer was only available immediately
• Hidden interest or total cost not disclosed — you were not clearly told the total amount repayable or the APR, in breach of Consumer Credit Act 1974 disclosure requirements
• Misleading “free panels” or “government scheme” claims — you were not told upfront that you were entering a financed loan agreement

Often yes. The insolvency of the installing company does not necessarily extinguish your right to claim. Two routes frequently remain open:

• Section 75 of the Consumer Credit Act 1974 — if any part of the transaction was paid on a credit card, your credit card provider is jointly and severally liable with the seller. You can claim in full directly against the card company, even if the original seller no longer exists.
• Complaint against the finance lender — where a connected loan was used (a loan arranged by the installer), the lender may share liability under the connected lender liability provisions and the unfair relationship provisions at s.140A CCA 1974. A complaint to the lender and, if unresolved, to the Financial Ombudsman Service may still succeed.

If neither of these routes applies, it is worth checking whether the installation was covered by an insurance-backed guarantee scheme.

Several overlapping pieces of legislation may apply depending on your circumstances:

• Consumer Credit Act 1974 — s.75: joint and several liability of credit card providers for purchases between £100 and £30,000
• Consumer Credit Act 1974 — s.140A (unfair relationship): allows a court or the Financial Ombudsman to rewrite or set aside a credit agreement that is unfair to the debtor
• FCA Consumer Credit sourcebook (CONC): requires lenders to conduct thorough creditworthiness assessments before approving credit
• Misrepresentation Act 1967: gives the right to rescind a contract or claim damages where a false statement of fact induced you to enter the agreement
• Consumer Protection from Unfair Trading Regulations 2008: prohibits misleading commercial practices, including false savings claims and “free panels” descriptions
• Consumer Rights Act 2015: requires that goods and services are of satisfactory quality, fit for purpose, and as described

We cannot predict the outcome of any individual case and no responsible service would guarantee a specific figure. That said, a successful claim could include some or all of the following, depending on the facts:

• Refund of all monthly payments already made
• Cancellation of the remaining loan balance
• The difference between promised annual savings and actual annual savings, for each year since installation
• Interest charges on the loan, where the agreement is found unfair or improperly executed
• Compensation for distress and inconvenience (typically in the range of a few hundred to a few thousand pounds)
• Removal of the adverse entry from your credit file, where the agreement is found unenforceable

The total across all heads of loss can be substantial, particularly where a 20-year loan was mis-sold on inflated savings projections. Every case turns on its own facts and the decisions of the lender or the Financial Ombudsman Service.

Yes — completely free. We draft professionally worded complaint letters that cite the relevant legislation and state your remedy clearly. There is no charge at any stage, including for FOS escalation support. We are not a law firm and we do not charge a success fee or a claims management fee. If your complaint succeeds, you keep everything. If it does not succeed, you owe us nothing. Contact us at nc.octave@gmail.com if you have any questions before getting started.